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Best Bankruptcy Attorneys in Roanoke

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Brumberg Mackey & Wall logo
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Brumberg Mackey & Wall

30 W. Franklin Rd., Suite 600, Roanoke, VA 24011
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Brumberg Mackey & Wall is a law firm that handles bankruptcy-related matters in Roanoke. Bankruptcy lawyers at this firm have been providing legal services for over 20 years. They concentrate on filing for chapters 11 and 13 bankruptcy. The firm assists in stopping phone call harassment, vehicle repossession, and debt elimination. Brumberg Mackey & Wall handles other legal areas that include domestic relations, employment law, commercial real estate, personal injury, and taxation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Friendliness
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Detail
Giles & Lambert, P.C. logo
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Giles & Lambert, P.C.

129 Campbell Avenue Southeast, Roanoke, VA 24011
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Giles & Lambert, P.C. is a bankruptcy law firm with offices in Roanoke, Martinsville, and Blacksburg. The firm's attorneys assess each client's financial status to help them choose between chapter 7 and chapter 13 bankruptcy. They guide clients with a lot of unsecured debts like credit card bills, medical bills, personal loans, and unpaid utility bills through a chapter 7 bankruptcy. They also help those with enough income to pay off their debts through a repayment plan in filing for a chapter 13 bankruptcy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Michael D. Hart, P.C. logo
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Michael D. Hart, P.C.

19 Church Street Southwest, Roanoke, VA 24011
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Established in 1992, Michael D. Hart, P.C. is a bankruptcy law firm based in Roanoke dedicated to helping clients move forward without financial burdens and problems. The firm assists clients with back taxes, stopping wage garnishment, and stopping foreclosure. It also helps with debt relief through filing for chapter 7 liquidation and chapter 13 wage earners' plan bankruptcies. The bankruptcy attorneys at Michael D. Hart, P.C. have helped consumers numbering in the thousands in their more than two decades of experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (16)
Facebook
3.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Scot S. Farthing, Attorney at Law, PC logo
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Scot S. Farthing, Attorney at Law, PC

107 Roanoke Street, Christiansburg, VA 24073
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Has three office locations on Wytheville, Christiansburg, and Abingdon, VA. Scot S. Farthing, Attorney at Law, PC is a bankruptcy law firm that focuses on advocating for clients struggling with mountains of debt. The firm helps in stopping wage garnishments and bank account levies, foreclosures, and creditor harassment. The bankruptcy attorneys at the firm help clients file for chapters 7, 11, 12, and 13 bankruptcy. Aside from bankruptcy, Scot S. Farthing, Attorney at Law, PC provides assistance and representation in business law, real estate transactions, and estate planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Shannon D. Cox, Attorney at Law logo
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Shannon D. Cox, Attorney at Law

203 Albemarle Avenue Southwest, Roanoke, VA 24016
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Shannon D. Cox, Attorney at Law, is a bankruptcy lawyer serving individuals and businesses in Roanoke. Cox helps clients who have missed multiple payments on their bills, maxed out their credit cards, and received notice of foreclosure in filing for chapter 7 or 13 bankruptcy. She also helps clients deal with disconnected utilities and creditor harassment, and guides business clients through chapter 11 bankruptcy. Aside from dealing with bankruptcy cases, she also handles no-fault divorces.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Higgs Law Firm logo
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The Higgs Law Firm

9 Franklin Road, Southwest, Roanoke, VA 24011
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Higgs Law Firm services Roanoke as a bankruptcy law firm. Steven L. Higgs of the Higgs Law Firm is equipped to represent creditors during bankruptcy proceedings. The bankruptcy attorney upholds the creditor's rights involved in chapter 7 and chapter 13 bankruptcy cases. The firm also represents big businesses facing chapter 11 bankruptcy cases. Higgs has received certification from the American Board of Certification in Consumer Bankruptcy Law and Creditors' Rights Law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Wilson C. Pasley, PLC logo
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Wilson C. Pasley, PLC

11 Franklin Road SW, Roanoke, VA 24011
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Wilson C. Pasley, PLC provides legal representation and counsel in Roanoke. Pasley is a bankruptcy lawyer capable of assessing clients' situations to help them determine which form of bankruptcy to file for. The firm is equipped to help clients in filing for a chapter 7, 11, or 13 bankruptcy depending on their qualifications and capability to continue payment of debts. Pasley earned his law degree from the College of William & Mary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.2 / 5 (13)
Yelp
1.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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